Insurance

COMMON INSURANCE PROGRAMS

All subpoenas must be reported immediately to the Office of General Counsel. Call (814) 867-4088.

All lawsuits and letters of representation must be reported immediately to the Risk Management Office (Jared Wise, Claims Supervisor, at (814) 863-5539).

For information about submitting insurance claims and incident reports, see the “Claims” tab of the Risk Management website:

Outlined below is general information about the University’s most commonly-used insurance programs. In addition to these programs, the Risk Management Office manages numerous specialty insurance programs for such risks as Aviation, Bonds, Broadcasting, Camps, Cargo Transit (Shipping), Crime/Theft, Cyber, Directors & Officers, Employment Practices, Fine Arts, International, Medical Malpractice (for employed medical staff), and many other programs. Any and all commercial insurance purchased by and on behalf of the University, its employees, its property/equipment, and its operations must be approved and handled by the Risk Management Office. Employees are not permitted to purchase insurance without Risk Management’s review and approval, including any insurance programs designed to “fill in” the deductibles in the University’s insurance programs. Please contact the Risk Management Office for additional information about insurance.

INSURANCE PROGRAMS

If there is an agreement that accompanies this request, it must be submitted to Cris for processing. Contract Cover Sheet.

Certificate Holder (party requesting the certificate of insurance) along with their complete mailing address, coverages we are to evidence (General Liability, Automobile and/or Workers Compensation), also if they are requesting to be additional insured. Please include reason certificate is being requested.

You must include the following information:

If you need a Certificate of Insurance issued on behalf of the University, please contact: Cris Boob 814-865-0512 or cnb1@psu.edu

INSURANCE CERTIFICATES

Workers’ Compensation: The University covers its employees for work-related injuries in accordance with the Pennsylvania Workers’ Compensation Act and the Workers’ Compensation laws of other states. The employee should report any injury, no matter how minor, to his/her supervisor. All Workers’ Compensation claims are administered by the Office of Human Resources. Please refer to the Workers’ Compensation website: Human Resources/ WC

General Liability: Protects the University, its employees, and volunteers for claims of bodily injury, property damage, and personal injury to others, where we (the University, its employees, and volunteers) are negligent in connection with University business while acting within the scope of University duties. There is no coverage for intentional and illegal acts.

For Charter transportation information, please refer to the “Vendors” tab of the Risk Management website:

University Policy BS20 (University Vehicle Operations or Use policy) for information about vehicle use, who is authorized to operate a vehicle, rental vehicles (including rental trucks), trailers, and other important vehicle use information.

The University’s Travel Policy for information about arranging transportation while travelling on University business (including air, rail, boats, shuttles, rental vehicles/trucks, and personally-owned vehicles).

Contact the Risk Management Office for more information.

Please also refer to:

Collision deductible = $1,000

Comprehensive deductible = $500

Insurance for physical damage to the University’s vehicles includes collision and comprehensive coverages with the following deductibles (which are charged-back to the unit responsible for the vehicle at the time of loss):

Automobile: Provides auto liability and physical damage coverage on owned, hired, leased, and loaned/borrowed licensed motor vehicles used on University business. If a non-University vehicle is used on University business (such as an employee’s personally-owned vehicle), that vehicle’s insurance will be primary and the University’s auto liability insurance will be excess. The University's automobile insurance does not provide physical damage (comprehensive and collision) coverage for personally owned vehicles. Injuries to employees while operating a vehicle on University business are covered by Workers’ Compensation.

The University’s various property insurance programs have deductibles that may apply. Please contact the Risk Management Office for additional information and how the deductibles apply and are paid for.

Property: Provides insurance protection for physical damage to buildings, equipment and contents owned, leased, and loaned/borrowed (where there is a written requirement to insure the loaned/borrowed property) by the University. In addition to the University’s standard property insurance, specialty insurance for artwork, cargo transit (equipment in transit), and other specialty items may also be available; contact Risk Management for more information.